Network hospitals
10800+
Incurred claim ratio
98.53%
Sum insured
Up to 2 Crores
No. of Plans
1
Solvency Ratio
2.5
Pan India Presence
312+
ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan that secures your basic healthcare needs Arogya Sanjeevani Policy by ICICI Lombard is an efficient fit. You can avail the plan on an individual and family floater basis and take advantage of the following features:
An affordable health care plan offering a cumulative bonus up to a maximum of 50% of SI along with cataract treatments, dental treatments, and plastic surgery if the need arises due to a disease or injury. The plan offers a sum insured benefit ranging between INR 1 lac and 5 Lac. To know more about the Arogya Sanjeevani Policy by ICICI Lombard, read further details.
To understand Arogya Sanjeevani Policy Insurance in detail, take a look at the below table:
Min- 3 months, Max- 65 years
Individual and Family Health Insurance
1 L | 2 L | 3 L | 4 L | 5 L
30 Days
Lifelong
1, 2, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Arogya Sanjeevani Policy Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered
OPD Charges
Not Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Not Covered
Daily Hospital Cash
Not Covered
Organ Donor
Not Covered
Maternity Cover
Not Covered
New Born Baby Cover
Not Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
E-Consultation
Not Covered
Health Check-Up
Not Covered
Second Medical Opinion
Not Covered
Vaccination
Not Covered
Co-payment
Covered
Sub-limits
Not Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
ICICI Arogya Sanjeevani Policy benefits offer a multitude of features and benefits allowing insured individuals to enjoy a stress-free life as their medical care needs are fulfilled by the plan. To read the multiple benefits offered read the details mentioned below:
ICICI Health Insurance | Arogya Sanjeevani Health Insurance Policy.
Permanent Diseases or health conditions that are not included under the ICICI Lombard Arogya Sanjeevani Policy are mentioned below:
OPD Expenses.
Expenses arising out of adventure sports.
Expenses arising due to unlawful activities.
Infertility and fertility treatments.
Expenses arising out of war, civil war, nuclear attack, etc.
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Pre-existing Diseases 48 Months
Listed Ailments 24/48 Months
ICICI Lombard Arogya Sanjeevani Policy is a versatile and affordable health insurance plan designed to provide medical care to individuals and families. It is a standard health insurance plan with a limited sum insured availability but covers all the necessary medical requirements. In order to avail basic health coverage, the Arogya Sanjeevani Policy by ICICI Lombard is an apt health insurance plan.
To cater to the different medical needs of an individual & their family, ICICI Lombard Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to ICICI Lombard Health Insurance plans explore more:
Individual and Family Health Insurance
ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...
Unique Features
Accident Health Insurance
ICICI Lombard Personal Protect Policy is a comprehensive health insurance policy that offers an array of benefits and extensions to safeguard the insu...
Unique Features
Senior Citizen Health Insurance
Golden Shield Plan by ICICI Lombard is designed especially for senior citizens and to cater to all their health care needs. With growing age, the huma...
Unique Features
Individual and Family Health Insurance
ICICI Lombard Arogya Sanjeevani is a versatile plan that pays for your medical bills in case of hospitalization. If you are looking for a health plan ...
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Top Up and Super Top Up
ICICI Lombard Health Booster is a comprehensive super top-up health insurance plan designed to enhance your existing coverage. The policy acts as a s...
Unique Features
Individual and Family Health Insurance
ICICI Lombard MaxProtect health insurance plan is a multiple-benefit provider plan that comes with affordable premiums. It has two variants ie, Classi...
Unique Features
Individual and Family Health Insurance
Worried about your medical expenses? Boost your healthcare experience with the ICICI Lombard Health Shield 360 insurance policy. Healthcare is one of ...
Unique Features
Individual and Family Health Insurance
Customize your ICICI Lombard Complete Health Plan with 4 available variants ICICI Lombard Complete Health Insurance is a comprehensive health ins...
Unique Features
Group Health Insurance
ICICI Lombard Group insurance is a type of insurance plan that covers many people in the same proximity, for example, employee-employer, bank customer...
Unique Features
The Arogya Sanjeevani Plan covers various aspects of medical care such as: Pre and Post Hospitalization In-Patient Hospitalization AYUSH Coverage Cumulative Bonus Ambulance Cover, and more
The minimum amount of sum insured available to insured individuals is INR 1,00,000.
Yes, the Arogya Sanjeevani Policy by ICICI Lombard is available as an individual and family floater health insurance plan. You can cover your spouse, parents, parents-in-law, and dependent children under the plan.
The eligibility criteria for adults ranges between the age of 18 to 65 years, whereas for dependent children it is 3 months to 25 years.
Yes, a 5% co-pay for all claims is mandatory under the Arogya Sanjeevani Policy by ICICI Lombard.
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Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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